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Chase

Chase Freedom Flex® Credit Card

Cash BackRotating CategoriesDiningGroceryNo Annual FeeIntro OfferZero Intro APR

Key Features

Annual Fee$0.00
Intro APR0% intro APR for 15 months from account opening on purchases and balance transfers. After the intro period, a variable APR of 18.24%-27.74%. Balance transfer fee applies, see pricing and terms for more details.
Regular APR
After the intro period, a variable APR of 18.24%-27.74%.
Other Fees
Balance transfer fee applies, see pricing and terms for more details.
NetworkMastercard
Read the full review
Best for those with
Good Credit

About this card

The Chase Freedom Flex earns an overall rating of 4.3 out of 5.0. This assessment is based on a synthesis of its excellent rewards program, reasonable fee structure, and very positive reputation. The card's strengths lie in its high cash-back earning potential, particularly through the rotating 5% categories, and the absence of an annual fee. The introductory APR offer further sweetens the deal. However, the high regular APR and the need to activate bonus categories are notable drawbacks. The card is best suited for users who pay their balances in full each month and actively manage the rotating categories. Overall, the Chase Freedom Flex is a strong choice for consumers seeking a versatile cash-back card.

4.3
Overall Rating

Pros & Cons

What's great

  • No annual fee
  • Intro APR period
  • Generous sign-up bonus
  • Cashback on purchases
  • Rotating bonus categories

Things to consider

  • High regular APR
  • Balance transfer fee

What this card offers

Sign-up bonuses

  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Rewards

  • Earn 5% cash back on different categories like gas stations, grocery stores (excluding Target and Walmart) and select online merchants on up to $1,500 in total combined purchases each quarter you activate.
  • Earn 5% on travel purchased through Chase TravelSM.
  • Earn 3% on dining at restaurants, including takeout and eligible delivery services.
  • Earn 3% on drugstore purchases.
  • Earn 1% on all other purchases.
  • Earn 2% total cash back on Lyft rides with your Freedom Flex card through September 30, 2027. That's 1% cash back in addition to the 1% cash back you already earn.

Other features

  • Cash Back rewards do not expire as long as your account is open. And there is no minimum to redeem for cash back.
  • Zero Liability Protection: Means you won't be held responsible for unauthorized charges made with your card or account information.
  • Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
  • Extended Warranty Protection: Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
  • Trip Cancellation and Interruption Insurance: You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
  • Cell Phone Protection: Get up to $800 per claim and $1,000 per 12-month period for covered theft or damage for cell phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 2 claims in a 12-month period with a $50 deductible per claim.
  • 24/7 Fraud Monitoring: We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
  • Auto Rental Coverage: Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
  • Travel and Emergency Assistance: Provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
  • Redeem your Cash Back rewards: There is no minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
  • Shop with points at Amazon: Link your Chase Freedom Flex® card to your Amazon.com account and instantly redeem your Cash Back rewards to pay for all or part of your eligible Amazon.com orders at checkout, including tax and shipping.
  • Gift cards: Redeem for a variety of gift cards and certificates for shopping, dining and entertainment, and more.
  • Travel: Book your travel with Chase TravelSM for competitive rates and flexible ways to pay.
  • The best of your neighborhood. $0 delivery fee: Get 6 months of complimentary access to DashPass. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027.
  • DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
  • Chase Pay Over Time: Lets eligible Chase customers break up credit card purchases into budget friendly payments. Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.

Additional Notes

This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

Ratings

4.7
4.6
4.2
1.8
4.5